Am I Ready?

So I have been dating my boyfriend for almost 5 months, and we have done a lot of stuff but haven't quite got to sex yet.  I really want to but by the time we actually get to it I start regretting it and psych myself out.  I really really want to have sex but anytime we get close to doing it I change my mind!  I don't think I'm quite ready but I just want to be so much!  I should also probably mention im a virgin. Any advice ladies???